While some animals (and humans) hibernate in winter, other species are at their most active. Whales, butterflies, and birds are migrating; elephant seals are mating; and wolves are actively hunting ...

Last year was a good one for annuities, with rates increasing by about 6% and sales at their highest since pension freedoms in 2015. So, will 2026 be as good for annuities and what do advisers need to ...